This home is in Sail Cove Town Center, Jacksonville.

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Active·45 days on market·Sail Cove Town Center

10000 Gate Parkway N 512

Jacksonville, FL 32246

$220,000$164/sqftEst. $1,118/moMLS# 2149134

Beds

Baths

1,340

Sq Ft

1996

Built

—

Garage

Pool

About this home

Sail Cove Town Center

Location, Lifestyle, and Endless Potential! Bring your imagination and make this spacious first-floor condo your own! Offering 1,340 sq ft of comfortable living space, this 3-bedroom, 2-bath home is located in a desirable gated community just minutes from St. Johns Town Center, Mayo Clinic, Jacksonville's beautiful beaches, and downtown. Inside, you'll find a functional split-bedroom floor plan, wood plank flooring in the living and dining areas, and plenty of space to personalize. Relax on the screened porch with your morning coffee or unwind in the evening while enjoying the refreshing breeze. Residents enjoy resort-style amenities including a large swimming pool, hot tub, tennis courts, and a beautiful lake perfect for canoeing, paddleboarding, or sailing a small boat. RV and boat storage is also available. Whether you're looking for a primary residence, vacation retreat, or investment, this condo offers an unbeatable location and exceptional community amenities.

Cost to own

Mortgage calculator

Home Price

$220,000

Down Payment: 20%

$44,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,118

Principal & Interest: $1,118

Property taxes (est.): $359

Insurance (est.): $147

Estimated Total Monthly

$1,624

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.55% · 30yr$1,118

Property taxesest. at asking price, Duval County$359

HOAbilled monthly$556

Estimated total, before insurance$2,033/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$207,500	$193,261	▼ $14,500
2024	$222,000	$175,692	—
2023	$222,000	$159,720	—
2022	$183,000	$145,200	—
2021	$132,000	$132,000	—
2020	$131,500	$131,500	—

Estimated taxes if purchased at asking price: ~$4,300/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 1996)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,784 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History